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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Thank you for your comments to the person with the Federal Government defined benefit pension. I am in the same position and I have always regarded my pension as my fixed income component and my investments are 100% equity. In terms of income, my fixed income component pension is over 50% of my income which exceeds the usually recommended 60-40 equity/fixed income split. Most public investment advice is geared to people with no pension, in my opinion.
Read Answer Asked by Earl on October 20, 2017
Q: Peter, I cannot imagine how difficult it must be to come up with an idea a column every week or two. Please allow me to humbly make a suggestion.
I know in broad strokes the difference between the TSE and Venture, but I know nothing about the CSE. Perhaps an article on this and how it may affect me as a DIY investor.
Gord.
P.S. I rarely ask a question but enjoy reading the answers to the questions. Publish at your discretion.
Read Answer Asked by Gord on October 19, 2017
Q: Jean earlier today listed a number of stocks in his/her portfolio as being in excess of 10%. You do not suggest there's a problem with this, so I'm wondering if it's okay to own larger percentages of individual stocks if one has diversified ETFs. I have been buying ETFs to consolidate holdings as I move farther into retirement to make withdrawals simpler. But I still have a lot of individual stocks that I'm keeping in the 5% range. I think I noticed elsewhere you recommend not holding more that 5% of a portfolio in ETFs( now can't find it, so perhaps I misremember). I suspect I'm just not getting something here. What do you recommend regarding this use of ETFs and individual stocks (and %s) for a person past the accumulation stage?
Read Answer Asked by M.S. on October 18, 2017
Q: There has been a lot of gossip around my job side about a new investment in a cryptocurrency company called electroneum. To be honest, I have no intension of investing in it. I have just a layman's knowledge of bitcoin and blockchain and with all the hype starting to fly around this place I would appreciate a well grounded opinion of it. Maybe I could show them the answer you reply with.
Read Answer Asked by Anthony on October 17, 2017
Q: This may or may not be a question you can answer but any insight is appreciated.

My Mom is 88 years old, plays bridge twice a week and square dances twice a week and we spend 2 days a week having lunch She is in great health but, no one lives forever.

She has Property and investments worth U$600,000+ and she and I have reviewed her will which is in good standing. How can I best prepare on my end when the time does eventually come? And what hurdles can I expect as a Canadian inheriting US assets?

Thanks for all you do

gm
Read Answer Asked by Gord on October 17, 2017
Q: Would CPD be classified as 'fixed income'? What would be a recommended short duration ladder bond fund that you would recommend for diversification?
Read Answer Asked by Donald on October 17, 2017
Q: I presently have an investment made 3 months ago in this U.S. based company. I was attracted by the fact that it was acquired by Enbridge and pays a dividend in excess of 6 %.
What do you think of this company as a longer term investment ? After receiving 1 dividend payment and noting a 40 % withholding tax , I was informed by RBC that since the corporate entity is an LLC , it doesn't qualify for the 15 % withholding tax. I was also informed that the status would not change, even if transferred to my RRSP account. Does this seem accurate from what you know ?i.e. that an LLC does not qualify for a 15 % withholding tax and that if it were held within an RRSP , that it would still be subject to a 40 % withholding tax ?
Read Answer Asked by Glenn on October 17, 2017
Q: I don't know if you can answer this, but I file an 8840 for the IRS as a snowbird to prove a closer connection to Canada (my home and citizenship).
Because I own more than $100,000 worth of U.S. securities, I am beginning to be worried about having a too large percentage of holding in U.S. domiciled companies.
If I own an ADR of a European company, on a U.S. exchange, do I have to list it as part of my U.S. exposure?
My guess is no, but I would sure appreciate some clarity.
Read Answer Asked by Kyle on October 16, 2017
Q: Hi 5i team.
I have to sell several stocks and claim a capital gain. These of course are winners and I will probably buy all or most back. I was told to wait till trade settles to buy back which of course is several days. With the market climbing almost daily I worry about losing those gains or one or another stock jumping due to news or sometimes no news and not holding it.

I'm a believer in long term fundamentals but think short term technical analysis can be helpful here though I don't really have a good knowledge of this.

My question really is what technical indicators are best in this situation over a several day or week or two span. I have been using an MACD oscillator - exponential with periods 12, 26, 9 because it is available to me and seems simple enough to try to time drop in values (sell) for several days to hopefully buy back at same price or a little lower. Not looking to make big gains but to avoid loss of gains. Thank you in advance for this and all the helpful advice from this service.
Tulio
Read Answer Asked by Tulio on October 16, 2017
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